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"There are fewer people handling the check and that lessens the opportunity for loss, fraud and/or confusion in the check clearing process,'' he says. Although merchants have already begun back office ...

A new law designed to reduce the time it takes for checks to clear has not resulted in an unusual number of overdrafts, a spot check of local financial institutions indicates.

Knowing when money will be credited to your checking or savings account is key for financial planning. While some factors may delay the process, most checks clear within one to two business days.